Hey everybody! It's been awhile since I posted. Here's the situation. I have a 642 EQ FICO (8/8/13 on myfico.com). TU is 650ish according to dealer. I didn't get the exact number, long story. Anyway, I am employed, 7 yrs. about $40k/yr not including my "side jobs". My wife is newly self employed and makes about $33,000/year. She has roughly the same scores. We just applied with CapOne Blank Check and got 4.56-6.47% (depending on year). To us, this is amazing because the car we just paid off with CapOne was at 16.5%! We've come a long way. So since my wife's income is 1099 and pretty new, I'd like to shop around because CapOne has some loan restrictions that may not work for me.
Are there any known no doc lenders (where I could preferably apply online? I am fairly confident CapOne will not ask for docs, but I wanted to have other options.
Starting Score: 620
I just bought my daughter a new car in march, I went in with preapproval from cap one. I negotiated price of car then went in with finance manager. They beat Cap one (yes they ran my credit) I was offered great rate (for me) by chase. Never had to supply my financials .
Sweet! I was thinking Chase may be the way to go